Riots and Civil Commotion Claims

Claim Type

Riots and Civil Commotion Claims

In light of the disturbances that have taken place in a number of
city centres, and potential for this to continue in the future, we feel it's
important that you understand how your insurance policy may respond if you
are unfortunate to be caught up in it. We have compiled the following
guidance notes which we hope you will find useful.

Am I Covered?
Most insurances will provide cover for loss or damage arising from riot and
civil commotion but you will need to check your policy wording to ensure the
peril of riot & civil commotion is operative. Also read the Terrorism
clause in the policy.

What is Classed as a Riot?
The current definition of a riot is:

1) 12 or more persons must be present together and use or threaten
unlawful violence for a common purpose and the conduct of them (taken
together) must be such as would cause a person of reasonable firmness
present at the scene to fear for his personal safety

2) It is not necessary for any Claimant to show intent to use force to
resist such opposition

3) It is not necessary for anyone to be present and actually be harmed

What are my Obligations?
It is important that, if you have been or do become affected by the current
situation, or feel that you may have a claim arising from these
disturbances, that you notify us of any potential claims as soon as possible
of the relevant incident.

You must file a police report if you sustained property damage as a
result of a Riot & Civil Commotion as soon as possible after the alleged
incident.

What Else Do I have to Do?
You must be able to quantify and substantiate your losses
. This is where PublicAdjusters.com can be a great help to you.

Naturally we hope that you and your businesses remain safe and unaffected
by these outbreaks of rioting and civil commotion. However, if you do need
further guidance or assistance, please do not hesitate to contact us and we
will be pleased to help you.

Call PublicAdjusters.com for a consultation to explore all your
options in dealing with your riot and civil commotion damage claim.
1-800-303-2591